The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$62,989
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,991/mo
Today · 4.125%
HK$66,939
baseline
▲ 0.50% · 4.625%
HK$71,012
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,878/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,954
−HK$1,906/mo
Today · 4.125%
HK$73,860
baseline
▲ 0.50% · 4.625%
HK$77,753
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,720/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,586
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,388/mo
Today · 4.125%
HK$80,326
baseline
▲ 0.50% · 4.625%
HK$85,214
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,652/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,344
−HK$2,288/mo
Today · 4.125%
HK$88,632
baseline
▲ 0.50% · 4.625%
HK$93,304
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,264/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,184
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,787/mo
Today · 4.125%
HK$93,714
baseline
▲ 0.50% · 4.625%
HK$99,416
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,428/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,735
−HK$2,669/mo
Today · 4.125%
HK$103,404
baseline
▲ 0.50% · 4.625%
HK$108,855
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,808/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,380
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,906
−HK$3,584/mo
Today · 4.125%
HK$120,490
baseline
▲ 0.50% · 4.625%
HK$127,821
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,980/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,134
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,517
−HK$3,431/mo
Today · 4.125%
HK$132,948
baseline
▲ 0.50% · 4.625%
HK$139,956
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,896/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,000 · Scale 2, in force from 26 Feb 2026)